Privacy Policy

To create an account we collect your name and email address, and we store a securely hashed version of your password. If you sign in with Google, we receive your name and email address from Google. We also store basic account records such as your account creation date and your country and currency, which default to Nigeria and Naira.

Everything you record in the debt tracker is information you choose to provide:

• Creditor or lender names
• Debt type (loan app, bank loan, friend/family, cooperative, business debt, other)
• Original amounts and current balances
• Interest rates, minimum payments and due dates
• Any notes you add to a debt

When you record a repayment we store the amount, the payment date and any note you add, linked to the specific debt and to your account. These records are used to calculate your remaining balance and progress.

If you use the Financial Health & Budget Planner, we store the monthly income, expense categories and amounts, and the monthly debt-repayment amount that you enter.

Your Debt Freedom Score and Financial Health Score are calculated from the debt, payment and budget information already in your account. They are shown to you inside your account and are not sold or shared for marketing.

If you use Refer & Earn we store your referral code, records of accounts that signed up through your link, whether a referral has qualified for a reward, and reward amounts. A referral qualifies only after the referred user makes a successful non-trial Premium payment.

We store your subscription status (for example trial, active, cancelled or expired), trial start and end dates, billing dates, payment amounts and status, and the references returned by our payment processor. We never store your full card number, CVV or card PIN. Card details are entered on Paystack’s own secure checkout and are held by Paystack, not by Debtfree.NG.

If you use Harassment Defense, we store the complaint details you enter, drafts generated from those details, any response you record from a lender, escalation reference details you enter, and any evidence files you upload. Evidence files are held in private storage and are only accessible through short-lived links generated for your own account.

If you email us for support, we receive and keep your message and email address so we can respond and keep a record of the issue.

We generate records such as calculated balances, progress percentages, plan attack orders, estimated debt-free dates, scores, status timelines and technical logs needed to run and secure the service. Estimated dates are projections, not guarantees.

• To create and secure your account and sign you in
• To provide the features you use (debt tracking, plans, budgets, scores, and more)
• To process Premium subscriptions and trials through our payment processor
• To answer your questions through the AI Coach when you use it
• To respond to support requests
• To detect abuse and keep the service secure
• To meet legal and regulatory obligations

Debtfree.NG relies on the following third-party providers. These providers process data on our behalf in order to deliver the service, and we do not claim that they receive no data.

• Supabase — authentication, database and application infrastructure. Your account and the information described above are stored on this infrastructure.
• Paystack — payment and subscription processing. Paystack receives your email address and payment details you enter on its checkout, and returns payment references and statuses to us.
• Google Gemini, accessed through the Lovable AI Gateway — powers the AI Coach and other AI-assisted review features.

• The AI Coach is available to Premium users.
• All AI requests are processed server-side. Your browser does not talk to the AI provider directly.
• We send only the financial information relevant to your question. General questions may be sent with no personal financial information at all.
• Debt questions may include relevant debt information.
• Budget questions may include relevant budget information.
• Repayment-plan questions may include relevant repayment-plan and debt information.
• Score or financial-health questions may include the relevant scores.
• Your name, email address, user ID, phone number and other direct account identifiers are not sent to Gemini.
• AI conversations and AI responses are not stored in the Debtfree.NG database. Clearing or leaving the page ends the conversation.

• Traffic is encrypted in transit using HTTPS.
• Database access is restricted with row-level security so records are readable and writable only by the account that owns them.
• Uploaded evidence is stored in private storage and served through short-lived links.
• Payment keys and AI credentials are held server-side and never exposed to the browser.
• Passwords are stored in hashed form and are never visible to us.

No online service can promise perfect security, but we work to protect your data.

We use only the essential cookies and local storage needed to keep you signed in and to run the service. We do not run advertising or analytics tracking on the platform.

We keep your information for as long as your account is open. You can permanently delete your account from Settings, which removes your account and the records associated with it. Some limited payment and transaction records may be retained by us or by Paystack where required for legal, accounting or fraud-prevention purposes.

Under Nigerian data-protection law you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Object to or restrict certain processing
• Withdraw consent where processing is based on consent
• Request a copy of the information you provided

Most of these can be exercised directly in the app: edit your details in Settings, edit or remove debts, payments and budgets from their pages, and permanently delete your account from Settings. You can also email debtfreeng@gmail.com and we will respond within a reasonable time.

Debtfree.NG is intended for adults aged 18 and above and is not directed at children.

We may update this policy as the platform changes. The date at the top of this page shows when it was last updated. Continued use after an update means you accept the revised policy.

Privacy questions and requests: debtfreeng@gmail.com. Legal entity: Debtfree.NG Technology Limited, Nigeria.

If you are not satisfied with how we handle your concern, you may lodge a complaint with the Nigeria Data Protection Commission (NDPC) through ndpc.gov.ng.